To do a proper analysis you have to add up all of the payments; monthly premiums+co-pays+deductibles+remaining cost not paid by insurance. When you do that, and compare it to the likelihood that you won't need to access those services, paying as you go is viable. THIS IS ESPECIALLY TRUE FOR DAY TO DAY MEDICAL NEEDS. Now, if you believe you must pre-pay, then eliminating the middleman who adds zero value to your medical treatment is the way to go.Do you know about this thing called a "co-pay" it already has the affect of making people cover their minor expenses, thing is, drug prices have went up 4 times faster than inflation and the government continually bars itself from negotiating the price they will pay for these drugs. This is not just new drugs but generics as well. If we really wanted to get a handle on costs that would be a damned good place to start.No. You are the one who wants everyone to pay for health insurance so that you don't have to pay for them. So, please don't pretend that you have some moral high ground because you care about people.In other words, let them die.That is why the republicans lost the health care debate in 2009, their message was that if you could not afford to get medical care then tough shit, die loser. Normally this worked when it was mostly the poor being fucked over but costs were finally getting too much for the middle class.That precondition bullshit is nothing more than a form a welfare.
If you haven't been paying into an insurance pool then you shouldn't be able to get money out of it. The filthy ass government should never have the authority to make some somebody else pay your bills.
I am sorry but it is not my responsibility to pay your bills. That is your responsibility.
Why should the filthy ass government force my premiums be higher to pay your medical bills when you never even into the pool?
That is just nothing more than another stupid welfare scheme.
My position is we should stop misuing insurance to cover everything because in effect we are pre-paying for healthcare using a middleman which is stupid. My position is that we should have the choice how we pay for our healthcare. Those that can afford to pay as they go can. Those that can't can use Medicaid, which has a recovery feature in it to recoup those costs when and if the recipient ever gets any money. My position is that co-ops are much better way to go than insurance companies. The sooner we get those needless middlemen - who add zero value to health care - out of the way, the sooner we can bring down costs by working directly with the health care providers. So, if you want to pre-pay, the co-op is the way to go.